Home Insurance in Munfordville, Kentucky
Homes in Munfordville carry a median value of $119,000 - 18% lower than the Hart County median.
The typical home in Munfordville was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 30% of homes were built before 1960, about 7 points above Hart County's 23%.
Housing in Munfordville breaks down to 62% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Munfordville, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 38% of occupied homes in Munfordville are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Munfordville - 51% - are primarily heated with electricity.
What's the biggest home insurance risk near Munfordville? FEMA's National Risk Index points to hail (Relatively Moderate) in Hart County and Hart County had 24 active NFIP flood policies as of September 2026. See the full Hart County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kentucky, the statewide average premium for a standard HO-3 homeowners policy is $1,525 per year (NAIC, 2023 data).
Key figures
| Median home value | $119,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Hart County | 24 |
| Home insurance premium | $1,525 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)